Living in a foreign country, having an insurance when visiting your local clinic or hospitals is obviously both helpful and practical; leaving you with no unnecessary worries and letting you focus on recovering completely from your illness.
In Japan, Health Insurance is mandatory for those who are entitled to live in Japan for a year or more; the Japanese government provides two main types of insurance for their citizens – National Health Insurance (kokumin kenkou hoken/ kokuho) and Employees’ Health Insurance (shakai kenkou hoken/ shakai hoken).
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Employees’ Health Insurance/ Social Insurance (shakai kenkou hoken/ shakai hoken)
Not everyone is eligible to join.
Application is made via the company of work.
Monthly premiums are salary linked and deducted directly from employee’s paycheck.
Employers pay an equal contribution each month.
Must also join the Employees’ Pension Insurance scheme.
Members of this scheme pay 30% of their medical costs, covering sickness, injury and necessary dental work.
National Health Insurance (kokumin kenkou hoken/ kokuho)
All foreign residents with a valid visa, allowing them to stay in Japan for a year or more, can join.
The scheme is open to people who are not employed (expectant mothers, students, retirees, etc.)
Premiums are calculated on a yearly basis (April – March) based on the insured person’s resident tax, property owned and number of dependents.
Premiums can be paid by bank transfer or at the local ward or city office.
Primary members and their dependents pay 30% for inpatient or outpatient costs.
Employees’ Pension Insurance (kosei nenkin)
For those signed up to Shakai Hoken via their company will also be enrolled to Employees’ Pension Insurance; premiums being automatically deducted from employees salary.
Like all pension plans it is designed to provide an income for contributors once they have retired, with payments being able to be made even if you’re not in Japan.
In case of sudden unemployment, a holder of Employees’ Pension Insurance should report immediately to the city office where they reside; also if a holder of Employees’ Pension Insurance is leaving Japan and has paid the premiums for a certain period, they could be eligible to claim back the contributions they had made.